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Bau, Ester Marcelina (2024) Pengaruh Persepsi Keuntungan, Persepsi Biaya, Dan Persepsi Risiko Terhadap Minat Penggunaan Pembayaran QRIS Studi Kasus di UMKM Sektor Kuliner Kota Yogyakarta. Skripsi thesis, Sanata Dharma University.
Carvallo, Gracia Margaretha Meisya and Wisanggalih, Wisanggalih and Putri, Suryaning Perwita Mandiri and Salwati, Lidia Ratna and Christofer, Jerry and Andiniko, Putu Bagus Dipa and Bau, Ester Marcelina and Ravena, Fellicia and Marselo, Afriana and Wardhani, Aurelia Melinda Nisita and Bura, Maria (2023) Financial Atitude, Behavioral Control, Self-Efficacy, and Financial Behavior Towards Pay Later Service Users. Proceedings The 2nd International Conference on Economics, Business, and Management Research (ICEBMR), 2. pp. 333-342. ISSN ISSN: 3032-596X